38235 Etienne Drive
Palmdale, CA, 93552
$645,000
MLS: 26002089
Beds
4
Baths
3
Sq Ft
2,632
Lot
0.17 ac
Year Built
2022
MLS #
26002089
Days on Market
36
Listed
Mar 12, 2026
Description
***BETTER-THAN-NEW • LUXURY UPGRADES THROUGHOUT • PAID-OFF SOLAR • NO HOA*** Step inside and experience the formal entry leading into wide-open living spaces. The main floor includes a full bedroom and bathroom, perfect for guests or multi-generational living. The heart of the home is the luxurious kitchen, featuring Café Wi-Fi appliances (negotiable, valued over $10,000), walk-in pantry, center island with quartz countertops, buffet area, and designer backsplash, all open to the family room. Upstairs, the loft/second living space provides flexible additional space, ideal as a fifth bedroom or secondary living area, along with another full bathroom. The primary suite is a private retreat, filled with natural light, featuring a spa-inspired bathroom with dual vanities, walk-in shower, and generous walk-in closet. The upgraded backyard offers two perfect scenarios: a covered sitting area for relaxing and entertaining, and an open space with a play area, all designed for low-maintenance living, including the front yard. Located in a new, highly desirable community with nearby shopping, convenient freeway access, and proximity to aerospace and work industries, all just over an hour to Los Angeles and California beaches. STOP THE CAR -- YOU DON'T WANT TO MISS OUT! ASSUMABLE VA LOAN OPPORTUNITY Buyer may have the opportunity to assume the seller's existing VA loan at a favorable interest rate, subject to lender approval and VA eligibility requirements. Buyer must bring in approximately $100,000 to cover the difference between the loan balance and the purchase price. This is a great opportunity for qualified buyers to potentially secure below-market financing. Contact listing agent for details.
Location
Palmdale, Los Angeles County, CA 93552
Open on Google Maps ↗Listed by: Charla Gonzales · Sync Brokerage, Inc.
Payment estimate
$4,780
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $64,500 · Loan: $580,500
- Principal & Interest
- $3,567
- Property tax (1.25%)
- $672
- Homeowners insurance
- $300
- Mortgage insurance
- $242
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Palmdale home with as little as 3.5% down using an FHA loan — roughly $22,575 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
Assumable Loan — Lock In a Below-Market Rate＋
This Palmdale property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Palmdale, CA 93552 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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